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1 Increase Customer Service & Enhance Risk Management

2 GLOBAL PROVIDER FOR ALL OF YOUR PAYMENT PROCESSING NEEDS Euronet is recognized around the world as an industry leader for providing one of the most comprehensive, fully integrated electronic financial transaction solution suites available in the market today. Our integrated software solutions are at the core of our payments hub architecture. Our software solutions have been installed more than 300 times in over 70 countries, and provide substantial reduction in the overhead costs associated with managing multiple delivery systems and vendor interfaces. Euronet s software solutions are multi-currency and multi-language capable which provide the flexibility your organization needs to expand service offerings into additional customer delivery channels without reconfiguring or relicensing the technology. Complementing over 30 corporate locations worldwide, Euronet s Software Division is headquartered in Little Rock, Arkansas, with offices in Egypt, Greece, Hungary, Miami, New Zealand, Orlando, Portugal, Sri Lanka and the United Kingdom. Euronet Chenal Parkway, Suite 200 Little Rock, Arkansas

3 GLOBAL PROVIDER FOR ALL OF YOUR PAYMENT PROCESSING NEEDS Euronet Worldwide, Inc. is a global provider of electronic payment and transaction processing solutions for financial services organizations, retailers, service providers and individual consumers. Euronet s three primary business segments Electronic Financial Transactions and Payments Software; Prepaid; and Money Transfer work together to leverage information, share best practices and provide a wide range of offerings for clients. Euronet has been powering the transaction processing needs of financial services organizations for more than 35 years. We process more than one billion transactions annually, originating primarily on global ATM and POS networks. Our software solutions power our customer in-house and outsourced environments as well as our own data centers. When it comes to electronic payment processing, you can count on Euronet to be your trusted partner. Euronet builds its solutions upon a payments hub infrastructure capable of fulfilling all of your payment processing needs. Our collection of software modules offers a full range of robust technology by partnering with leading industry providers for loyalty, collections, fraud monitoring, and SWIFT and ACH payment management offerings. MEET CHALLENGES HEAD ON AND RISE ABOVE THE COMPETITION With increased regulatory pressure, complex global operations, and the rising need for innovative customer loyalty programs, you need solutions you can count on to help your organization succeed, get ahead of the competition and prosper. Solutions from Euronet and its partners can help you meet challenges head on with a powerful combination of complementary technology and business applications. VALUE ADDED SERVICES FOR THE BANKING INDUSTRY Euronet s value added services are designed to help you increase customer services while also reducing risks and improving your organization s operational costs. Loyalty services powered by Axiom provide the ability for financial services organizations to present a broad customer loyalty program. Collections solutions by Uni-Source help you reduce past due loan delinquency ratios and charge offs, and improve account disposition reporting and tracking. With fraud monitoring solutions driven by Plus Technologies & Innovations, you can target and manage issues that are of increasing importance in today s market such as fraud prevention, operational risk management, revenue assurance and more. For SWIFT and ACH payment management, Euronet offers solutions from IBIS Management to enable your organization to gain productivity increases which in the end translates to enhanced profit margins. Together, Euronet and these leaders offer a portfolio of best-in-class solutions to help you optimize your existing issuing, acquiring and bank-office operations. SWIFT AND ACH PAYMENT MANAGEMENT Powered by IBIS CARD SOLUTIONS FRAUD MONITORING Powered by Plus Technologies & Innovations CARD ASSOCIATION SOLUTIONS PAYMENTS HUB ebanking SOLUTIONS COLLECTIONS Powered by Uni-Source 2000 SELF-SERVICE SOLUTIONS LOYALTY Powered by Axiom

4 LOYALTY MANAGEMENT Powered By Axiom Consulting Developed by Axiom Consulting, loyalty management is powered by the industry leading product - Merit Loyalty Suite. Merit is based on many years of experience in loyalty program design and implementations worldwide. It is a best-ofbreed loyalty solution with success stories in the banking, retail, travel and fuel industries. Comprehensive Loyalty Solution to Manage Increased Demands Merit is especially designed for organizations serving large customer volumes at their own locations or via affiliated partners. The Merit Loyalty Solution provides you with the ability to present a broad customer loyalty program, covering all locations with central management of customers and promotions. With the combined power of Euronet and Axiom, you will benefit from having comprehensive coverage of banking loyalty management, seamlessly integrating the following key processes: Loyalty scheme operations Data analysis and customer segmentation Customer communications and campaign management In addition to the base modules, Merit Industry Extensions deliver industry best practices with functionality catering to the unique requirements of specific industries such as banking (Merit Banking module) and retail (Merit Retail module). Merit Channel Extensions enable a complete integration strategy with all points of customer interaction, such as the web and ATMs (Merit Web module). Implementation Options This solution can be provided as stand-alone or in combination with Euronet s existing Card Issuing and Merchant Acquiring services with which it is integrated. The service can be configured to support your organization s stand-alone loyalty schemes or multi-merchant coalition programs. Loyalty Program Coverage for Financial Institutions Axiom s Loyalty Solutions cover the entire banking product portfolio, including: All categories of cards (credit, debit, payment, prepaid, cash, loyalty, affinity, gift cards, or combinations) and all types of card technology (magnetic, chip, barcode, RFID) All types of financial products: loans, checking, brokerage and deposit accounts in a banking environment, as well as insurance products All types of financial transactions (purchases, returns, payments, cash withdrawals, interest and fees) or non-monetary transactions (website usage, survey responses, customer complaints) Loyalty support on all banking channels, including in-branch, ATM, POS, web and mobile End-to-End Program Design Euronet and Axiom join their skills in delivering a comprehensive set of implementation services, starting from the high-level loyalty program design and ending with consulting on best practices and the intelligent use of data for analysis and decision making at all organizational levels.

5 COLLECTIONS Powered by Uni-Source 2000, Inc. Uni-Source 2000, Inc. is a global collection software solution provider. Its focus is to provide the most advanced collection and recovery software on the market using the IBM Power Systems server, Windows SQL database server and the World Wide Web. Utilizing Uni-Source s solutions put financial services organizations in front of the competition with robust and reliable technology. Uni-Source provides a variety of offerings including the following solutions. Automate Collections and Increase Productivity Uni-Source s VQueue.Network (VQN) solution automates the actions, work flow and monitoring of collections, recovery and tracking delinquent accounts, charged off accounts, NSF checks written against accounts, foreclosures, bankruptcies, repossessions, dealers, loan officers and special assets. VQN automates letters and facilitates standard messages with the system. Powerful collector and management queuing are available with a robust tickler system to serve the user while also providing the executive and management information required for monitoring the total portfolio s performance. When using VQN, your organization s collection capacity more than doubles the capacity of manual collections. As a result, collectors can manage more accounts, more aggressively work existing accounts and perform additional responsibilities. With increased productivity, your organization can reduce operating costs and increase profits. Enjoy Lower Total Cost of Ownership with Browser-based Interface With Uni-Source s WebCollect.NET software, you can enjoy a browser-based interface that relieves low bandwidth issues and constraints of remote users being able to access the data server. WebCollect.NET is a.net browserbased application which eliminates any middleware requirements for the data access. The System i data access between.net and Microsoft Sequel is optimized and naturally works at a premium level as they are both Microsoft technologies. Additionally, this solution will perform on remote networks and still maintain acceptable response times. With WebCollect. NET, you can enjoy a reduced total cost of ownership when it comes to licensing and deployment.

6 FRAUD MONITORING Powered by Plus Technologies & Innovations Plus Technologies & Innovations provides solutions in the area of high financial services business applications. With a solid installed base of over 150 financial services organizations in more than 22 countries, Plus Technologies brings key differentiation through innovative products and leadership in the market. Its leading edge software platform Monitor Plus targets issues such as fraud prevention, operational risk management, anti-money laundering, revenue assurance, compliance and corporate governance, real time monitoring, and international banking operations (trade finance and foreign exchange). Plus Technologies & Innovations delivers a framework where the goal is to enhance value to financial services organizations customer relationships. Plus Technologies & Innovations suite of Monitor Plus Solutions is multichannel and superior in performance for large transactional volumes. Financial services organizations will benefit from these state-of-the-art technology solutions by providing comprehensive support and integration into Euronet s payment hub solutions platform. SWIFT/ACH PAYMENT MANAGEMENT Powered by IBIS Management IBIS Management is a trusted advisor to banks in more than 30 countries throughout the Caribbean and the Americas. IBIS makes banks profitably efficient by helping them improve their international payment processing, risk management and operational best practices. The Alchemy Payment Processing Platform has been developed by IBIS Management s banking and technology experts to enable your organization to run highly automated, profitable, and compliant banking operations that deliver outstanding performance and client satisfaction. In addition to developing proprietary systems, IBIS Management advises Central Banks, Retail and Private Banks on operational best practices in international banking. IBIS Management s advisory services include BASEL II Preparation, AML and Regulatory compliance, Reconciliations and SWIFT Outsourcing. With IBIS, you will have seamless straight-through-processing and real-time preventative compliance filtering for payments entering and leaving your bank that can be initiated through the many touch points supported by Euronet s Integrated Transaction Management. Payments such as SWIFT International payments, ACH Payments, Bankers drafts and credit card settlement will be passed from Euronet s online banking and point of sale channels to IBIS Management s Alchemy Payment Processing Suite electronically for posting, compliance checking and fulfillment. This automated end-to-end processing will eliminate traditional, costly and risky manual-based activity at the bank s back office. As a result, your organization will immediately benefit from substantial cost and risk reduction, and higher margins on each payment generated.

8 Copyright 2010 Euronet Worldwide, Inc. All rights reserved. Any and all product names, company names, logos and trade names used in this publication are assumed to be the legal property of their respective companies. September 2010 v. 4.3

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